Personal Finance I am the most financially irresponsible person I know. I make a 6 figure salary and I’m always broke. I need help getting my shit together. |
- I am the most financially irresponsible person I know. I make a 6 figure salary and I’m always broke. I need help getting my shit together.
- Early 30s. Husband dying. Unsure how to proceed. In Texas
- Trying to retire early, sit on a rocking chair on my porch, and have enough plants to make the neighborhood kids think I am a Witch. Critique my plan?
- Credit score is suffering because I got rid of all my loans. I can't get the car loan I want. How do I turn my credit back around?
- This is why you need an Emergency Fund [Pics Inside]
- $4K/mo Mortgage Payment on a House Worth $375K - What Should we do?
- Seeing the light at the end of the tunnel
- Handling elderly mother’s debt
- What is a reasonable salary for an engineering manager of 30-40 in the Bay Area?
- Started a new Job. Need help deciding 403 b
- 26yo, first job, need help/advice on savings/accounts and such
- How to build credit?
- Dad has unknown number of Credit Cards under my name, and I'm wanting to cut him out.
- Best way to obtain debt consolidation loan with low credit?
- pay off student loans aggressively vs. investing in retirement?
- Uninsured and went for a diagnostic @ Cleveland Clinic, paid $1,800 as "my responsibility" then woke up to a $7,000 bill
- Question about IRS Bank Levy
- Leaving the country, what to do with savings?
- Applied for apartment but was told I have no credit score, but I can see my score on credit karma and even the hard check. What are my options?
- Going to buy a mortage, what do you guys think about my spreadsheet? Should I do it yes or no?
- Former employer offering job
- Help understanding indexes?
- My dad is 70; how can he cash out from his ira and pay the least amount of taxes?
- “Don’t pay interest in order to build credit.”
| Posted: 30 Jun 2019 11:59 AM PDT This is going to be painful to write. I'm so ashamed about my financial troubles that I can't even go to my family or experts for help. I just turned 30 this month. I've never owned a savings account. I make $100k a year, and yet, I'm living paycheck to paycheck. This has got to end. I had a serious wake up call this week and I've finally admitted to myself that my money habits are flat out disgusting and I need to get my shit together. The problem is I'm so far from reality that I don't know where to start. I grew up in wealthy family. I've always been that annoying rich kid, only child, that everyone hates. I never cared about budgeting because if worse came to worse, I could always go running back to mommy and daddy. Enough is enough. I don't know where to start guys. Most of all I want to start saving, but I don't know how much I should be putting away each paycheck. For the first time I looked at all my expenses and made a list of things I needed, and things I could live without. I was able to cut that list of things I can live without by 80%. Below is a list of things I need, plus a few luxuries I really don't want to take out of my budget. Monthly Expenses: Rent - $1000 (utilities all inclusive) Child Support - $1000 (one child) Daughter's Summer Camp - $400 Car Payment - $329 Car insurance - $268 (DUI from 2013, crash my fault 2018) Health Insurance - $500 (for both me and my daughter) Food - ?? (I don't know because I eat out every meal and this needs to change) Gas - $0 (I get gas for free at work) Streaming services - $40 Green stuff - $320 <— this number is no longer accurate. I can get what I want for half this. $160 I should also mention that I don't own a credit card. Even if my credit was good enough to get a credit card, it's probably a good idea I don't have one until I get my shit together. I feel like I may need some professional help. Are there any classes or online services that I can look into that will teach me about money and saving? Is financial therapy/coaching a thing? I'm willing to do anything to change my ways. Any advice is much appreciated!!! EDIT: I don't know why this is formatted weird. This is not how I formatted it when I wrote it. EDIT: I left out a very important detail. I recently went to rehab and got sober from booze and pills. When I was under the influence I would pretend I'm rich and spend like a crazy person. Now that I'm sober I'm realizing that I have no discipline when it comes to money and that's why I'm wanting to make this change. The budget above is me not blowing my money on booze, pills, and impulsive spending. [link] [comments]  |
| Early 30s. Husband dying. Unsure how to proceed. In Texas Posted: 30 Jun 2019 03:38 PM PDT Hello. I'm hoping you guys can help. My 38 year old husband was recently diagnosed with a fatal brain disease. He will be passing away in the next couple of months. I'm also 8 months pregnant so will be delivering soon. I'm at a loss on how to proceed. I have a small life insurance policy for him through my employer (30k) but it took weeks of hospital stays to finally get his diagnosis & there have been many follow up visits as well so we have quite a bit of debt from that. I have a super small amount of savings in our joint checking account (about 3k). I am trying to find out if I will be responsible for all of his medical bills, can they take my car (we only had one, shared), can anyone make claim to the money in our bank account, will I be able to use any of his life insurance policy for his funeral arrangements and what the hell do I do?! I have very little family that has any experience with any of this and since we were in our 30s this was definitely not something we were prepared for. I just want to try and do what I can to get my finances in the best possible shape before baby gets here & before he passes. I don't want to be in incredible amounts of debt if there is any way around it. Any advice would be immensely appreciated. [link] [comments]  |
| Posted: 30 Jun 2019 07:24 PM PDT Hello. New profile made just to make this post— been lurking for a while now and have really learned a lot through this community: r/personalfinance. I've actually been doing some of the things highlighted here already— but I thought I needed a solid plan to really follow. 25/F. LCOL. 5 years ago, had no job. Was in school for nursing and lived with my wonderful mom. - Graduated three years ago became an RN, first job ever! - Bought a 2014 Nissan Sentra (paid off). - Paid off student loans, total of $13,250 (always maxed out my student loans to give the extra money to my mom). - Bought a house 4 months ago, valued at $84,500, still owe $66,000. The other people in my family are not... very good with money but a very good friend of mine has helped me with financial decisions and has helped me gain some financial stability. Also, due to my family not being very good with money, I had family members borrow money from me (even as a young child), manipulated me to get money, and never paid me back (good note: those family members I have not dealt with anymore). Due to all that I became very, very stingy and grew up feeling like I couldn't spend a single cent for myself and would have to give the money up to some uncle or aunt or whoever else needed help. I am doing better now though and have been able to invest in both my future and myself. So I would really like to continue this journey and commit to creating a better financial future for myself, my family, and my own future family (whether it be an actual partner and our child, an adopted child, or fur babies). On to the details! And excuse me if I use certain terms or phrases incorrectly! Still new to to FIRE world and also, English is not my first language! I would greatly appreciate any corrections too! ASSETS: - $84,500 house - 2014 Nissan Sentra w/ 58,000 miles- valued at $5-6,000 on the blue book. - $30,000 in savings (10,000 is my Emergency Fund). - 20,000 in my 401K. I have also just recently put my notice in and am woking on getting a job that will pay more. So I will have more money to invest. MONTHLY EXPENSES: - $530 - MORTGAGE Question: would it be better to pay that amount or to increase and pay $600 monthly? - $70- COMCAST (it was a promo). - $150- UTILITIES (a modest calculation, just got the home learning NEST thermostat, hoping it will help with the bill!) - $103 - CAR INSURANCE (new and cheaper than old one.) - $74- LIFE INSURANCE (new, not with work, will pay out 500,000 at death or age of 100, whichever comes first). - $50- COUNSELING (something that I have gotten into to help with stress from work and family. Cannot let myself stop this because it has helped me a lot, and I highly recommend it to anyone.) - $150- GROCERIES (mostly rice, beans, meat, and some snacks. Health, I think is a good investment because hospital bills are ridiculous, saying that as both a nurse and a patient.) - $100 - TRANSPORTATION (mostly gas, what else should I include?) - $80 - MARTIAL ARTS/WORKOUT CLASSES - $100 - DONATIONS TOTAL: $1,407 Okay. So, details in. Right now I make an average of $3,200 monthly WITH overtime. Working hard to the point that I get sick and exhausted. July is my last month. I am planning on becoming a traveling nurse and expect to make at least $1,200 weekly, total of $4,800 monthly. This job change should increase my expense only with Hotel night stays at decent hotels, either 3-4 nights and more gas usage. I hope my post isn't all over the place! So my questions are: 1. Should I roll over my 401K to a ROTH IRA?
And... I think that is all I have for now! Thank you all so much for your help! Any suggestions/recommendations are very much appreciated! ADDED QUESTION:
Thank you! [link] [comments]  |
| Posted: 30 Jun 2019 12:00 PM PDT I'll try to keep the rant to a minimum, but it's ridiculous that you're punished for being debt free. I've never owned a credit card, paid off a 5 year auto loan in 4 years, and have been debt free for a year now. I was sitting on a 750 credit score in January, and decided to do the frugal thing and NOT buy a new vehicle at the time. About a month ago I got a decent pay bump so I started playing with the idea of getting a new car, my current one is constantly in need of repairs, terrible on gas and I drive 70+ miles a day. I noticed that my credit score had dropped almost 100 points because my paid off loans were starting to drop off of my credit report. The bank my previous loan went through offered me something like 10.9% on a $20k loan and the one car dealership I had give me a quote came back and said "we can't find any record of your credit score" and quoted me $879/mo for a $44k loan. I didn't even look at the interest rate, I just laughed it off and walked away. Supposedly they used TransUnion and Equifax, which Credit Karma has no problem pulling up. Well, I got in a car accident last week and my vehicle is most likely totaled. The insurance payout won't even be enough to use as a down-payment, so I'm back to getting a loan. I've considered getting a credit card to bump my score back up, but I'm afraid it's going to take another 6 months or so to take effect. I found one that does 5% back on gas purchases, and 1% on everything else, which is fine by me, I'll only use it for gas and keep paying it off. I have about 30 days on my rental car, so I need to make a decision quickly. Any advice is welcome. [link] [comments]  |
| This is why you need an Emergency Fund [Pics Inside] Posted: 30 Jun 2019 02:25 PM PDT I know there are dozens upon dozens of these threads posted every week but it can not be said enough. Emergency funds are a must! This is how my Sunday started. We had a mild storm come through this morning (not even any thunder and lightening, just rain and a bit of wind) and this is what it left behind. Thankfully no significant damage was done to any people, houses, cars; just a lawn chair and a crappy fence. However, between having the rest of the tree professionally removed, paying my neighbor for his chair, replacing/repairing the fence (which my dad might be able to do fairly inexpensively), and taking my buddies out for a nice dinner (they came over and helped me get the limb out of the neighbors yard), this mess is going to cost me somewhere around $2,000 (if not more) to fully clean up. But it's okay because I have an emergency fund. I don't have to worry about juggling my bills around for the next month or two. I don't have to worry about no longer being able to afford my upcoming international trip that I've been planning for months. I don't have to run out and pick up a side hustle to make sure I've got food on the table. Because I have an emergency fund. If you honestly think you don't need an emergency fund, YOU'RE WRONG. EDIT: I honestly didn't think this needed to be said but I am absolutely NOT going to allow some random people from Craigslist to come into my backyard to take down a rotting tree. The picture doesn't show it, but there is still a large portion of tree standing that could do a considerable amount of damage to my house and/or garage if not downed properly. And if some of you would actually read my post, you'd see that the $2000 estimate I pulled out of my ass isn't just for the tree removal. There are other things that need to be taken care of, most of which don't really warrant filing a claim with my insurance UNLESS I heard back from my agent and he says otherwise. [link] [comments]  |
| $4K/mo Mortgage Payment on a House Worth $375K - What Should we do? Posted: 30 Jun 2019 05:22 PM PDT So I went back home for father's day a few weekends ago and stayed at my dad's house where I grew up. We went out to brunch for Father's Day and he was asking me and my two brothers.. ages 30, 38, 22 respectively (our dad is 60), what he should do with the house. Up until this point, I knew the house was under water but I didn't know the specifics. My dad told me his monthly mortgage payment is about $4,000 - he has a 1st mortgage of about $345K (adj rate is currently 7.5% and adjusts every 6 months) & a second mortgage of about $65K with a 10% interest rate (so loans total $410K). He had the house appraised recently and it came back at $375K so it's underwater by about $35K. How he got here --> Divorced in 2005 and had to refinance the house to remove my mom and do a cash-out refi to give her half the value. This was the height of sub-prime lending and the loan is through a private lender so no FHA government protections and it's not owned by Fannie or Freddie. He may have done a few cash-out refis to pay off debt from raising 4 children (remember that housing prices were soaring and cash-out refis were super easy to get). The loan has been sold a couple of times but the sales haven't been recorded, other than an incorrect recording where they marked the second mortgage as the first mortgage. The options we were going over: - Stop paying and stay until he defaults on the loan and is kicked out (remember, he will be saving $4K a month with this option - he lives in the suburbs of MD so rent is nowhere near that costly) - Try and short sell the house. My dad doesn't think the lender has an incentive to short sell because they are making a fortune off him (he hasn't missed any payments). We toyed with the idea of my brothers and I putting the short sale offer in on the house to keep the property in the family because it's in a really nice neighborhood. - Keep paying, fix up the house so it is ready to be rented out. It could be rented for about $2,500 so he'd still have to fork over $1,500/month and wouldn't be able to live there. Thank you in advance for your help! [link] [comments]  |
| Seeing the light at the end of the tunnel Posted: 30 Jun 2019 04:11 PM PDT I've been a long time lurker, occasional poster and I think maybe first time submitter. I just wanted to share that I finally see the light at the end of the tunnel - which if anything is giving me hope to my future. Thanks to this forum and having a reason to turn things around in my life I was able to stop myself before things got too far. In October of 2017 I missed a credit card payment for the first time in my life; while I had excel spreadsheets to track my spending this scared the shit out of me so I decided to make a change. I opened a crappy checking account at Bank of America that has no debit card attached to it and I pay all of my credit card bills out of it so at least at the bare minimum monthly payments are being made. When I started doing this my total debt was around $23,000 on 9 cards or credit lines and I was a 27 years old. I had $150 in my checking and around $700 in my savings. The light at the end of the tunnel wasn't visible to me at all. Today - my debt level is around $19,500 - little high still considering the time span but I have been nickling and diming these payments and taking my time coming up with a plan. My late payment to discover I was able to mostly get expunged by immediately paying it and getting Discover to not report it (I have a 99% on my credit report for bad marks, so I am not too sad by this - better than what it would have been for a missed payment). I have $1,500 in my checking (I set a personal goal of having at least a full check worth of pay in there at all times, before deductions) and I have $6,500 in savings - with my tax return still outstanding because I filed late w/ an extension (was waiting for a 1099-misc that I didn't need to wait for because it was below the threshold - it never came because it never existed oops). I've carved out a snow-ball plan for my debt this morning. I'll be taking out three cards, high interest rate and high monthly payments in one swoop once my tax check arrives (I could do it now but I want to keep some funds in my savings) -- this will lower my balance to $12,500 and free up more funds to re-use on the next high interest card. The next two cards can be paid off in 3.5 months with my excess left overs - which will leave me on a plan to debt freedom by March/April of next year by my math.. without having major significant disruption to my savings. This has been a rough year for me; my fiancee/SO passed away in March of this year - we had been working on this road to freedom for a while and she was my guiding strength in getting my shit together for these last 5 years. The hope and goal of having a family and a car and stability was insight for both of us. When I lost her I kept those promises I made to her (to us) alive - working diligently on my degree (yay more debt, but low interest and not something I'll have to worry about too much when I am done) which will earn me a significant pay raise ($10-15k) in the next 12 months and keeping my head up and positive about things to come. I ache daily still with her loss; but I made a promise when she passed that I would live through her. I have always been a debbie downer - she brightened everything in my life and I have found my own ways at ensuring her light continues to shine on me. I didn't see this light in March, April or May - but the glimmer of hope is here at the end of June and finally having a plan in place has given me security and the ability to see my future. [link] [comments]  |
| Handling elderly mother’s debt Posted: 30 Jun 2019 07:47 PM PDT I recently had to place my elderly mom, 84 years old, into an assisted living center due to health issues, a recent stroke, and her Alzheimer's. We live in California. I have been dealing with the Veterans Administration, Medi-Cal, Kaiser Insurance, etc., and have actually been doing a pretty good job (I think) getting things in place for her, so that's a relief. She has no real assets, no home, etc. Between her social security, VA benefits that is paying for her housing. However I just discovered when going through her mail, she owes about $20,000 (based on bills I am seeing in her mailbox over the last two months) in old credit card debt that I don't know how to handle. It looks like she was making minimum payments before she was hospitalized last time but when I try to communicate with the credit card companies they will not even talk to me because I am not her. I understand that I need to get power of attorney to deal with this but in the meantime what should I do? Am I responsible for this debt? This is a lot of money to me and I want to handle the situation correctly so any advice is appreciated. [link] [comments]  |
| What is a reasonable salary for an engineering manager of 30-40 in the Bay Area? Posted: 30 Jun 2019 12:21 PM PDT I have an interview with a silicon valley startup and I am having trouble finding compensation data. I've searched the sidebar, this forum and the webs and I am still not confident in a number. This startup is not in the software world. It's a mix of software and hardware (primarily hardware). Does anyone know some more salary and total compensation data sources outside of those below? Or can you shed some light on how comparable different titles are for big companies ( http://levels.fyi ) ? I've researched Glassdoor, linkedin, levels.fyi, payscale More info: The startup is about 100 people. They have two product lines they've developed. I'd be working as #2 on a third. Probably working with ~30-40 engineers on the project total. I have over a decade of directly relevant experience. I'm very excited about the project and I'd love to live in the area, I know it's expensive there (Median income is 120k/yr). TL;DR what's Median salary, equity, bonus for an engineering manager of 30-40 engineers in the Bay Area? [link] [comments]  |
| Started a new Job. Need help deciding 403 b Posted: 30 Jun 2019 04:29 PM PDT Hello. I recently finished med school and am starting residency this July. My new residency matches 4% of my contributions. I am not very good at all this finance stuff. So i am wondering if I should do traditional IRA or roth? I will be making 4-5 X more money after residency than what I make now. I dont know what to decide or which or pick? [link] [comments]  |
| 26yo, first job, need help/advice on savings/accounts and such Posted: 30 Jun 2019 01:50 PM PDT Hey, I just got my first "real job" (have only been a nanny/house sitter up until last year but I need something more steady.) I set up direct deposit and everything to my regular bank account (has savings as well) but I would like to save and I am so overwhelmed with where to start. I'll be making around $1,900 a month before taxes (I believe), but may be able to pick up some overtime. My only expenses currently will be $400 rent and $45 phone plus gas and regular expenses probably equaling to about $100. I would like to have an account that I kinda can set up for deposit and I can forget about it and will probably choose to not have a card for said account. But I also want to have an emergency account if possible? I know I don't have much to save but I'm just, need help/advice on where to begin and what my options are. Thank you, lost, embarrassed 26 year old Edit: I do have about $25,000 in medical debt ranging from 6 years to recently. I know that changes things. [link] [comments]  |
| Posted: 30 Jun 2019 06:34 PM PDT I'm 24 years old and looking to build credit. I have a decent credit score (high 700s, but it fluctuates) but when I check my FICO score through my bank, it tells me one of the things bringing my credit down is lack of credit information. So, how can I build better credit? I have two credit cards, one that I just opened and one that I've had for about five years. My car is an old family car, so I don't have any auto loans. Went to a cheap college, no student loans. Renting an apartment, so no mortgage. Short of opening more credit cards, what can I do to improve my credit? Any advice is appreciated! [link] [comments]  |
| Dad has unknown number of Credit Cards under my name, and I'm wanting to cut him out. Posted: 30 Jun 2019 08:00 PM PDT Throwaway because personal stuff. My dad is a self-proclaimed "Pro" at the whole credit card rewards thing. Airline miles, cashback, etc. He follows a bunch of blogs and shit and to his credit he does seem to get alot out of it. However he has multiple credit cards, accounts on rewards sites, etc under my name (as well as the rest of the family) so he can game the system by essentially having multiple identities. Idk how thats legal, but I live with him so never really want to rock the boat by questioning it. Recently however things have been really tense around the house due to other non-related issues, and I plan on moving out soon and when I do I want to separate myself from my family as much as I can. The thing is I don't even know the extent of how many accounts he has under my name. I can't even apply to a credit card on my own without him getting notifications about it, and my biggest worry is he can destroy my credit if he wants to (and I don't exactly trust that he wont either) or he can have some way of finding out my new address. So I guess im wondering what exactly I should do in this situation? Is there a way I can find out exactly how many cards and accounts are open in my name and shut them down besides just asking him (because I don't think he will be honest about it) Do I legally own any accounts he's opened and co-signed? (I know of at least one card he co-signed on) Tl;dr: Dad has an unknown number of Credit cards, bank accounts, and other financial shit open under my name so he can farm rewards points. I'm looking to cut ties with family and do not have much trust for him so I want to know how to find out how many cards, accounts, etc there are and if I legally own them and have the right to shut them down. [link] [comments]  |
| Best way to obtain debt consolidation loan with low credit? Posted: 30 Jun 2019 07:33 PM PDT I am tired of living from paycheck to paycheck. I get by, barely, but have to come up with extra funds every month to pay for gas, or medical bills, or anything random that could come up. Is it even possible or where can I get a debt consolidation loan for around 60k over 10 years? these debts are almost ~1800-2000 per month but I figure if I can get a 10 year 1 time loan to pay them all off I would only be out around 600 per month. Any suggestions or help on how I can do this to minimize my monthly payments would be greatly appreciated. My debt is student loans, credit cards, a 2012 kia and IRS payment plan. I have about that much in equity in my house, if that helps as far as collateral or whatnot. [link] [comments]  |
| pay off student loans aggressively vs. investing in retirement? Posted: 30 Jun 2019 04:40 PM PDT currently debating this. would love to hear your opinions! here is a picture of my finances: · monthly take-home income: $5,436 ( i just got a new job i will start in august... this is much more than my current income, hence all the recalculating and debating) · student loan balance: $78,000 · emergency (liquid) savings: $10,000 · current 401k + roth ira combined balance: not enough :/// $7934 i started working 2.5 years ago and i am 31. · monthly student loan payment i am considering: $3479 (the plan is to aggressively pay it all off in 2 years... this is the quickest i can afford) · student loan interest rate: 5.97% (however, i read somewhere that the effective student loan interest rate is actually lower if you factor in the tax deductible benefit of student loan interest... here is the formula: 5.97% (current student loan interest rate) x [1- marginal tax rate 22%] = 4.7% <---to my understanding after reading this article, this 4.7% is essentially how much my student loan interest rate is factoring in that student loan interest is tax deductible up to $2500 per year (or something like that, i didnt fully understand)... the reasoning is if you feel confident you can earn more in investment returns (which commonly reported averages are ~ 7%) it is more worth it to invest your money rather than pay off your student loans quickly (of course still pay minimum or more, whatever you can afford), especially in a tax advantaged retirement account (i have a roth ira and 401k, and debating between which to prioritize my contributions towards is another issue!) · ideal monthly retirement contribution amount: $1300 (how did i arrive at this number? according to charts/calculators, this is how much i need to invest to reach $1.5mill by age 65... i'm just using the "classic" numbers/goals as of now. i am 31 years old) now i obviously cant afford both my ideal monthly retirement account contributions ($1300) and my ideal aggressive student loan payment ($3479)... the big question is... how much should i prioritize my student loan and how much should i put towards retirement? what i am currently doing: is paying less towards my student loans (but still more than minimum) and also contributing to my retirement accounts (but not as much as i wish or should be... i still prioritize my student loans at the moment)... wondering... should i continue what im doing now, contribute to student loans and retirement equally, or aggressively pay off my student loans FIRST and quickly in 2 years and then focus on retirement? (that is the quickest i can afford. i will still contribute to retirement but only a measly $200 monthly at most while prioritizing student loans) what do you think? *edit: added a few numbers to complete my financial picture. thank you for your responses! some of your questions sparked some of the following calculations and got me to the conclusion below... in essentially comparing 2 yr vs 3 yr student loan repayment [faster (less retirement savings) versus slower (more retirement savings)]... i found the comparison/conclusion interesting so thought i'd share! assuming 6% annual growth rate...
*** conclusion! paying off student loans more slowly in 3 yrs vs. 2 yrs and contributing my ideal monthly amount to retirement instead of prioritizing student loans for 2 years and then focusing on retirement saves me $3433... and yes, i will be able to afford my ideal monthly retirement amount of $1300/mo if i lower my student loan monthly payment from the 2 year plan to the 3 year plan. [link] [comments]  |
| Posted: 30 Jun 2019 09:25 AM PDT I pay out of pocket and see a doctor at the Cleveland Clinic near me (in Florida). I went in for a esophagogastroduodenoscopy (EGD), or endoscopy. I was told in advance that my responsibility would be $1,800. Their online price estimator shows that even with a biopsy, the approximate cost is around $2,000. Another reputable local hospital charges $800, but I figured my doctor is at Cleveland Clinic so it would be easier. Besides, I figured it's Cleveland Clinic so it should be top notch care (the procedure itself was). So the morning of the procedure I paid in full... so I thought. Had the procedure, all went smoothly, then over 30 days later they sent me a bill saying I owe close to $5,000 more for all of the services. The bill seems to double charge me. They have one over-arching charge for "Gastro-Intestinal Services" which is close to the $1,800 I paid, but then they also seem to break that charge down into its component charges—that is, the things you would expect to be covered by the "Gastro-Intestinal Services"—and they charge me separately for those which more than doubles the bill. This seems like buying a car only to find that you then must also pay for the steering wheel, the tires, the drive shaft, etc. and you'll be charged separately for those components while also being charged for a "car" item. The major issue is that there's no possible way I'm their first ever patient to undergo this procedure, so how could it be that what they asked me to pay and said was "my responsibility" is so wildly far off from what they're now asking me to pay? What can I do? I already requested a detailed bill, emailed them that I think there's a discrepancy (no reply after over two weeks), and spoke to someone over the phone (recorded the call) who claimed they would look into it and follow up but it's been almost two weeks since I did that and haven't heard back from that person either. I followed up once by phone and reached someone else, who claimed the note on my account said they were still looking into it and that they reached out to update me about that but I have no missed call and no voicemail from them. Please help! Any suggestions would be greatly appreciated. [link] [comments]  |
| Posted: 30 Jun 2019 04:29 PM PDT Has anyone ever been subject to a bank levy from the IRS? I've read the levy is not a "continuous action", meaning if you have $500 in your account and the levy goes in to effect, any money deposited thereafter is not subject to the same levy (but the IRS could get another one!) I'm well aware of my options for dealing with the IRS and am working on putting a plan in to action - so no need for advice on how to avoid the levy (wouldn't want someone to go through the trouble of typing a bunch of advice... LOL). Just trying to find out if what I read is true in case it does happen before I can submit my offer in compromise. [link] [comments]  |
| Leaving the country, what to do with savings? Posted: 30 Jun 2019 01:44 PM PDT Hey PF, I'm starting a job in Germany in September and I'll be moving from the USA. I currently have $75k in savings, around $80k in retirement, a 2015 Honda, and zero debts. Not sure if/when I will return to the USA so I'm not sure what to do with my assets. I know I will need to transfer some money but I'll be living in a relatively low COL city in a small apartment. Here's my current plan: sell car for $10k, transfer $15k to euros and leaving the rest ($70k savings $80k retirement) in American investment accounts. Any better ideas? Also any tips from folks who have made a similar move? Follow up question: do I need to cancel my credit cards and bank account if I no longer live here? [link] [comments]  |
| Posted: 30 Jun 2019 06:14 PM PDT Throw away because I am irritated and ashamed and a number of other reasons, plus I've tried writing this a few times and my browser kept crashing. Long story short, I applied to live at an apartment and paid their fee to run my credit, and I was told that I have no credit score at all. But the thing is, I view my credit karma frequently and can see my score, and I even saw the hard check from them running it. proof I know my credit is not great but it's above what they require and I've had it for at least 5 years (purchased a car in 2014). And this isn't the first time this happened either. A couple months ago I tried getting preapproved for a mortgage through rocket mortgage, and I was told from them as well that I do not have any credit score. The apartment I applied to specifically said they use Trans Union, and I'm not sure what rocket mortgage used. I haven't applied to anything else that would hard check my credit recently. Am I going crazy? Am I being scammed? Am I in credit trouble? I'm still in my late 20s and not sure what this could possibly mean but I'm very desperate to get out of where I live and I am scared about what this could mean. What are my options? Edit: Within minutes I've learned so much more about credit than my parents ever taught me. I'm genuinely on the verge of tears. Thank you to everyone who has replied so far; this has been incredibly helpful and educating. [link] [comments]  |
| Going to buy a mortage, what do you guys think about my spreadsheet? Should I do it yes or no? Posted: 30 Jun 2019 08:19 PM PDT I have almost 10k in savings and also 10k in my 401k. Mortgage [link] [comments]  |
| Posted: 30 Jun 2019 08:18 PM PDT Not quite one year ago I moved to NV. My employer at the time did not offer the ability to work remotely. I found a new job in NV in software support. The new job paid the same hourly wage and benefits plus a year end bonus up to 6,000 and some RSU which I am currently three months away from vesting for about 16,000. I was recently contacted by my former employer and encouraged to apply for a position with the company. The position would be similar to my previous one and they are now willing to allow me work remotely from a home office. Likely, they will match my previous hourly wage and benefits package. I may be able to get my seniority (15 yrs of service) reinstated. I am grateful for this opportunity. The timing however could be better. If I were to take this job now I would lose the RSU close to vesting. Also my previous employer does frequently grant a year end bonus it will be about 4,000 less than my current employer. If I decide to try for this job I intend to negotiate for an increase to help make up for the bonus differential. The RSU however are a hard thing to take a pass on especially since I'm close. Is it ethical to seek a larger increase when I negotiate to help make up for missing out on the RSU? If so then how much more would be reasonable to ask for generally? It is nice to have options and that is always a good thing. They can however come at the cost of presenting difficult choices. [link] [comments]  |
| Posted: 30 Jun 2019 10:07 AM PDT I'm trying to learn more about indexes and was watching a video that was claiming to avoid index funds, but while at the same time saying to say you should invest in indexes. So I'm assuming there's a difference between index / index funds? And if so, how would I invest in an index vs an index fund? I hear all this stuff about the sp500 but cant figure out how to invest in it. Sorry for the noob question :P [link] [comments]  |
| My dad is 70; how can he cash out from his ira and pay the least amount of taxes? Posted: 30 Jun 2019 03:48 PM PDT His account is worth about 3 mill and his cost basis is very low like 600k or so. Is there any way he can reduce his long term capital gains tax? [link] [comments]  |
| “Don’t pay interest in order to build credit.” Posted: 30 Jun 2019 03:46 PM PDT My file is what I would consider thin. 3 credit cards, 4 years, 2 years 1 year. Paid in full every month. I have a bankruptcy as well from 2015. My life has turned around drastically so I'm starting to look at buying a house in 3-5 years. I have zero installment loans on my file, no student loans nor a car loan. So my file is literally just the 3 cards and the bankruptcy, that's it. I now have a fico in the 670s. So I know every one says to not pay interest to build credit but I do not foresee any installment loans in my future at all except a mortgage. Should I do a savings secured installment loan for 24 months to get one on my file to mix up my type of credit? Interest would only be about $100 for the life of the loan, but if it helps build a solid credit file, it could save me a large amount of interest on my mortgage in the future. The other option is I will be in the market for a car in 2 years, I was planning to just pay cash. Maybe I could finance that, but if I buy a house in 3 years, I don't know if that would be enough history of the installment variety, so should I just stick with plan A and pay cash for that, then maybe the secured loan might be better? Or, will 3 credit cards with great history be enough to overcome a bankruptcy? [link] [comments]  |
| You are subscribed to email updates from Personal Finance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment